Partner: Xplor Technologies
Segment: Vertical SaaS platform serving businesses in Fitness & Wellbeing, Field Services, Personal Services, and Education
Products: Capital
Parafin, January 20261
Xplor Technologies is built on a simple idea: make life easier for the everyday entrepreneurs who keep communities running. Whether it’s a yoga instructor opening her second studio, a landscaper managing dozens of routes, or a dry cleaner balancing payroll and new equipment purchases, Xplor’s suite of business management software helps them handle everything in one place. Xplor brings together scheduling, payments, and membership tools in one seamless platform across core verticals like fitness and well-being (Mariana Tek), field services (Service Autopilot and FieldEdge), and personal services (Spot).
As Michelle Van Horn, VP of Product Partnerships, and her team looked closer, they noticed something missing. While Xplor made it easy to run a business, many customers still struggled to grow. “We talk to small business owners every day,” Michelle said.
“No matter the industry, access to capital came up constantly. It wasn’t about taking on debt, it was about being able to say yes to opportunities when they appeared.”
— Michelle Van Horn, VP Product Partnerships, Xplor Technologies
When Xplor dug deeper, a pattern emerged across verticals. Landscapers and HVAC companies were busiest in the summer, when demand was highest, but that’s also when their expenses spiked. Trucks broke down, new staff had to be hired, and materials had to be bought up front. Fitness studios faced the opposite problem: they needed capital ahead of growth seasons to secure new leases or add equipment for new members.
Each business was unique, but their struggles looked the same. Traditional financing just didn’t fit the rhythm of small business operations. For many customers, acquiring capital meant leaving the platform they already used to manage everything. They had to visit banks, fill out paperwork, and wait weeks for an answer that might still be “no.” The Xplor team wanted to make that experience disappear. Their vision was clear. Bring capital directly into the tools customers already use every day, so they could access funds as easily as scheduling a class or processing a payment.
But there was one challenge: building a compliant, fully embedded capital program in-house would pull engineers away from Xplor’s core roadmap. They needed a partner who could handle the financial infrastructure while Xplor kept the customer experience front and center.
“We wanted to meet our customers where they already run their businesses, inside the platform. Parafin made that possible with a turnkey integration and a true partnership.” That’s when Xplor discovered Parafin, and realized the two companies shared the same philosophy. From the start, Parafin made things turnkey. Xplor’s engineers and Parafin’s technical team worked side by side in dedicated Slack channels, solving issues in real time. Weekly check-ins kept the project moving fast, and within weeks, the program was live. Xplor introduced Xplor Capital, a modern financing solution that offered fast, flexible capital to help small businesses grow.
Just as importantly, Parafin gave Xplor full control over branding and experience. Each vertical could customize the look and feel of its financing program, from the imagery inside the widget to the tone of customer messaging, so it felt completely native to the brand. “That flexibility mattered,” Michelle said. “A yoga studio owner doesn’t want to see the same imagery as a landscaper. Parafin made it easy to tailor the experience for every audience.”
Behind the scenes, Parafin’s Partner Portal became the heartbeat of the program. It gave Xplor real-time visibility into pre-approved offers, adoption, and performance by product and vertical. That transparency helped Michelle’s team report program milestones to leadership, understand usage trends, and identify where small businesses needed the most support. “At no point were we questioning the data,” she said. “It’s reliable, easy to filter, and it’s made our monthly reporting process seamless.”
Equally important was the white-labeled customer support. Parafin’s team represented Xplor with professionalism and empathy, answering small business owners’ questions as if they were part of Xplor’s own support desk. The Parafin team also met Xplor’s high standards for customer experience, offering white-labeled support that felt seamless to end users.
Since launching, Xplor Capital has helped fund more than 500 small businesses across the fitness, field services, and dry cleaning industries, unlocking over $16 million in growth capital.1 But the real success shows up not in metrics, but in the momentum the program has created. A landscaper in Texas used Xplor Capital to replace a work truck days before the summer rush. A boutique fitness studio used their offer to sign a lease on a second location. A dry cleaner upgraded equipment without missing payroll. These aren’t abstract transactions, they’re moments that keep businesses running, employees paid, and communities thriving.
“One of our customers told us the pre-approved offer arrived in their inbox the same week their truck broke down,” Michelle recalled. “That’s exactly what we wanted: to make capital available when they need it most, not weeks later.” That kind of timing and ease has led to strong repeat adoption, with many eligible businesses taking second and third offers. For Xplor, it’s proof that embedding financial services where customers already operate builds trust and long-term value.
The program has also deepened engagement across Xplor’s ecosystem. When a business uses capital to expand, it doesn’t just grow, it processes more payments, hires more staff, and runs more of its operations through Xplor’s software. The benefits ripple outward. For Xplor, these aren’t just loans, they’re growth tools that help small businesses expand and, in turn, strengthen the entire Xplor ecosystem.
By integrating capital directly into its platforms, Xplor created something much bigger than a financing feature. It became a differentiator, a way to turn everyday software into a catalyst for business growth. “Our customers want to manage their entire business in one place,” Michelle said. “Parafin helps us make that possible.” As Xplor continues to scale its embedded capital offering across new verticals and business lines, the partnership remains grounded in a shared belief: when you remove the barriers to growth, small businesses thrive.
Learn more about how Parafin can help grow your small business through our white-labeled embedded financing programs.
1 Based on Parafin analysis of Xplor Technologies businesses through January 2026.
All loans are issued by Celtic Bank. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Bank transfers are subject to review.
